Part-Exchange vs Private Sale
A private sale usually pays more — but after costs and hassle, does it really? Compare the net figure from each route.
Free, instant, and currency-agnostic — choose your currency inside the tool.
A trade-in is faster and lower-hassle; a private sale usually nets more but takes time. Add a tax saving only if your market credits trade-in value against sales tax.
Compare the net, not the headline
A private buyer might offer more than the dealer, but advertising fees, a professional valet, small fixes and the hours you spend fielding messages all eat into that premium. This tool subtracts those costs so you compare the money that actually lands in your pocket.
Get your private asking price right first: the car value estimator gives a defensible figure, and our selling guides cover how to advertise and negotiate.
Put a value on convenience
A trade-in is fast and low-risk; a private sale is slower but often more profitable. If the private route only nets a little more, the convenience of trading in may win. The calculator turns that judgement into a clear number — and shows when the extra effort is genuinely worth it.
Frequently asked questions
Is a private sale always worth more than a trade-in?
Usually it nets more, but not always once you subtract advertising, valeting, minor repairs and the value of your time. This calculator works out the net of each so you can compare like for like.
What is the trade-in tax saving?
In some regions you only pay sales tax on the price difference after a trade-in, which effectively boosts the dealer offer. Add that saving only if your local tax rules allow it; otherwise leave it at zero.
When is a dealer trade-in the better choice?
When you value speed and certainty. A trade-in is done in an afternoon, with no strangers, test drives or payment risk — worth a lot if your time is tight.
How do I know my private price is realistic?
Start with our car value estimator, then check live listings for the same model, age and mileage. Price near the top of the range and leave room to negotiate.